harry reid said he didn't want this. that's why it doesn't exist. there's a case to be made for taxing "cadillac plans." ahead of goldman sax. >> that's actually the royals royce plans. they are such a tiny part. caller: as an independent, i feel both parties are going down the road. what should happen is you should designate who is universal. 18-64. from there, you establish a health saveings account for each person and attach their children under 18 to each one of those. you take the medicare money that's going out. the $260 billion a year and credit that to each person 18-64. from there, their employer, whatever they are kicking in can also be credited to that account. host: financing healthcare. complicated stuff here. what's the best approach? >> it is really tough. on financing medicare, it has been a successful program but not one that has done much to obtain cost. it has actually been a cost driver. it has proved to be completely impossible to rid of waste and high expense and wasted views. each time the government tries to put in place meas